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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,571 | $156,616-83.7% | $133,346-80.8% | $198,609-87.1% |
| Participation rate | 100.0% | 77.7%+22.3pp | 72.8%+27.2pp | 82.4%+17.6pp |
| Annual return | 16.29% | 44.25%-28.0pp | 36.85%-20.6pp | 202.70%-186.4pp |
| Employer contribution / active EE | $1,432 | $3,368-57.5% | $2,853-49.8% | $5,055-71.7% |
| Participant deferral / active EE | $3,639 | $4,920-26.0% | $4,332-16.0% | $6,977-47.8% |
| Admin fee / account holder | $2,762 | $17,468-84.2% | $14,264-80.6% | $19,030-85.5% |